Are you happy with your current mortgage deal?

Mortgage rates have hit rock bottom as banks offer thousands of dollars in cash and slash advertised interest rates in response to pressure from home-buyers for deals.

A mortgage broker has described the market as "frantic" and "the best it's ever going to get" after negotiating rates as low as 4.75 per cent for clients.

Advertised fixed-interest rates on home loans are at historic lows, but customers can save thousands more dollars by haggling for even lower rates. The Herald has spoken to new home-owners who negotiated large cash bonuses and heavily reduced rates.

Are you happy with your current mortgage deal? Here is the latest selection of Your Views: